Guides
References for ACH and EFT operators
Operator-direct references for the people who actually originate payment files. Rule changes, format basics, common rejection causes — plain sentences, no marketing puff. Linked from the bank pages where the underlying tool lives.
US ACH · Reference
NACHA 2026 rule changes for ACH originators
A dated reference to the four Nacha Risk Management rule changes taking effect across 2026 — the PAYROLL Company Entry Description, the June 22 fraud-monitoring deadline, and the September funds-availability rule. What each one requires and whether it changes your file.
US ACH · Format explainer
What is the NACHA file format?
What the NACHA standard covers, which SEC code fits your payment (PPD, CCD, CTX), where the entry description comes from, and common rejection causes.
Canadian EFT · Format explainer
What is the CPA 005 EFT file format?
CPA 005 — also called the 1464-byte format — is the standard Canadian banks accept for batch direct deposit and pre-authorized debit. What it is, who governs it, how it differs from the 80-byte layout, and why files get rejected.
Sage 50 · Software how-to
How do you create an 80-byte EFT file from Sage 50?
Sage 50 (Canadian Edition) only produces the 80-byte EFT file TD and CIBC portals expect through the paid EFT Direct add-on. Why the base product can’t make one, when the add-on is worth it, and how to generate a bank-ready file from a Sage 50 export.
QuickBooks · Software how-to
How to turn a QuickBooks export into a bank payment file
Export the Vendor Contact List and Unpaid Bills, add the routing and account numbers QuickBooks doesn’t carry, and generate the NACHA or Canadian EFT file your bank accepts.
Canadian EFT · Problem
How to create an EFT file without an ERP
Five real options for Canadian SMBs sending batch payroll or vendor EFT — bank portal, payroll service, accounting platform, desktop software, hand-built spreadsheet — and where each one breaks down. Plus where a browser-based generator fits.
US ACH · Problem
How to run payroll direct deposit without a payroll provider
Direct deposit is an ACH PPD credit. The four realistic paths for US small employers — full-service provider, accounting-software payroll, the bank portal, or generating the NACHA file yourself — and what each one actually costs.
Looking for the generators?
The guides cover the rules and reference material. The actual file-generation tools live on the bank pages.